• Title/Summary/Keyword: Payment system

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Real-Time License Plate Detection Based on Faster R-CNN (Faster R-CNN 기반의 실시간 번호판 검출)

  • Lee, Dongsuk;Yoon, Sook;Lee, Jaehwan;Park, Dong Sun
    • KIPS Transactions on Software and Data Engineering
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    • v.5 no.11
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    • pp.511-520
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    • 2016
  • Automatic License Plate Detection (ALPD) is a key technology for a efficient traffic control. It is used to improve work efficiency in many applications such as toll payment systems and parking and traffic management. Until recently, the hand-crafted features made for image processing are used to detect license plates in most studies. It has the advantage in speed. but can degrade the detection rate with respect to various environmental changes. In this paper, we propose a way to utilize a Faster Region based Convolutional Neural Networks (Faster R-CNN) and a Conventional Convolutional Neural Networks (CNN), which improves the computational speed and is robust against changed environments. The module based on Faster R-CNN is used to detect license plate candidate regions from images and is followed by the module based on CNN to remove False Positives from the candidates. As a result, we achieved a detection rate of 99.94% from images captured under various environments. In addition, the average operating speed is 80ms/image. We implemented a fast and robust Real-Time License Plate Detection System.

Economic Benefits of Implementing National Health Insurance by Measurement of Changes in the Consumer's Surplus (전국민 의료보험 실시에 따른 사회전체 순편익 분석)

  • Kim, Han-Joong;Lee, Hae-Jong
    • Journal of Preventive Medicine and Public Health
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    • v.22 no.3 s.27
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    • pp.398-405
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    • 1989
  • A change in the consumer's surplus was measured in order to evaluate the social benefit to be derived from expanding health insurance to the entire population. The most refined and correct way to measure a project's net benefit to society is to determine a change in the consumer's surplus. Benefits from introducing the health insurance program to the uninsured people can be classified into two elements. The first is the pricing-down effect(E1) which results from applying the insurance price system, which is lower than the actual price, to the uninsured patients. The second effect(E2) is a decrease in actual payment because an insured patient pays only a portion of the total medical bill(copayment). We collected medical price information from the data banks of 93 hospitals, and obtained information of medical utilization by referring to the results of other research and from data published by the Korean Medical Insurance Societies. The total net benefit was estimated as \214 billion, comprising the first effect(E1) of \57 billion and the second effect(E2) of \157 billion. The price elasticity of physician visits is less than that of hospital admissions: however, benefits from the increase in physician visits are greater than those from hospital admissions because there are considerably more of physician visits than hospital admissions. The sensitivity analysis also shows the conclusion that expansion of the health insurance program to the entire population would result in a positive net benefit. Therfore, we conclude that the National Health Insurance Program is socially desirable.

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Variations in Pharmacy Payment of Korea National Health Insurance and a New Taxonomy of Community Pharmacies (건강보험 약국 급여비 분석과 약국 유형화 연구)

  • Cheong, Chelim;Choi, Sang-Eun;Lee, Hwayoung;Kim, Jini
    • YAKHAK HOEJI
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    • v.57 no.1
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    • pp.63-69
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    • 2013
  • The objectives of the study are to investigate pharmacy remuneration levels stratified by the number of prescriptions dispensing and the type of nearby medical facilities using the Korean National Health Insurance (NHI) database, and to classify community pharmacies based on the characteristics. Claims data of all community pharmacies were extracted from the Korean NHI database from January 1 to June 30, 2010. A total of 14,985 pharmacies were included for the analysis. The remuneration amounts per pharmacist were directly associated with the number of prescription dispensing, and varied by the type of nearby medical facilities where more than 90% of prescriptions dispensed at the pharmacy are issued from. We classified pharmacies to six groups according to the number of prescription dispensing and the type of nearby medical facilities; (1) pharmacies with equal to or less than 200 prescriptions per month per pharmacist, (2) pharmacies near a general hospital, (3) pharmacies near a regular hospital, (4) pharmacies near a clinic, (5) pharmacies near multi clinics, and (6) pharmacies that do not belong to the above types. Compared to pharmacies near a clinic or multi clinics, pharmacies near a general hospital showed a lower number of prescription dispensing per pharmacist, but the income from dispensing fees was higher (p<0.05). The new taxonomy of community pharmacies can be a useful basis for further policy development in pharmacy remuneration system.

Determinants of Accessibility to Fintech Lending: A Case Study of Micro and Small Enterprises (MSEs) in Indonesia

  • SAPTIA, Yeni;NUGROHO, Agus Eko;SOEKARNI, Muhammad;ERMAWATI, Tuti;SYAMSULBAHRI, Darwin;ASTUTY, Ernany Dwi;SUARDI, Ikval;YULIANA, Retno Rizki Dini
    • The Journal of Asian Finance, Economics and Business
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    • v.8 no.10
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    • pp.129-138
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    • 2021
  • Several studies have revealed that information on borrower characteristics plays an important factor in approving their credit requests. Though the extent to which such characteritics are also applicable to the case of fintech lending remain uncertain. The aim of this study is, thus, to investigate the determinant factors that influence MSEs in obtaining credit through fintech lending. Here, we emphasize virtual trust in fintech lending encompasing the dimension of social network, economic attributes, and risk perception based on several indicators that are used as proxies. Primary data used in the study was gathered from an online survey to the respondents of MSEs in Java. The result of the study indicates that determinants of MSEs in obtaining credit from lender through fintech lending are statistically influenced by internet usage activities, borrowing history, loan utilization, annuity payment system, completeness of credit requirement documents and compatibility of loan size with the business need. These factors have a significant effect on credit approval because they can generate virtual trust of fintech lender to MSEs as potential borrowers. It concludes that the probability of obtaining fintech loans in accordance with their expectations are influenced by the dimensions of social network, economic attributes and risk perception.

An Analysis of Cyber Attacks and Response Cases Related to COVID-19 (코로나19 관련 사이버 공격 및 대응현황 분석)

  • Lee, Yongpil;Lee, Dong-Geun
    • Journal of Information Technology Services
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    • v.20 no.5
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    • pp.119-136
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    • 2021
  • Since the global spread of COVID-19, social distancing and untact service implementation have spread rapidly. With the transition to a non-face-to-face environment such as telework and remote classes, cyber security threats have increased, and a lot of cyber compromises have also occurred. In this study, cyber-attacks and response cases related to COVID-19 are summarized in four aspects: cyber fraud, cyber-attacks on companies related to COVID-19 and healthcare sector, cyber-attacks on untact services such as telework, and preparation of untact services security for post-covid 19. After the outbreak of the COVID-19 pandemic, related events such as vaccination information and payment of national disaster aid continued to be used as bait for smishing and phishing. In the aspect of cyber-attacks on companies related to COVID-19 and healthcare sector, we can see that the damage was rapidly increasing as state-supported hackers attack those companies to obtain research results related to the COVID-19, and hackers chose medical institutions as targets with an efficient ransomware attack approach by changing 'spray and pray' strategy to 'big-game hunting'. Companies using untact services such as telework are experiencing cyber breaches due to insufficient security settings, non-installation of security patches, and vulnerabilities in systems constituting untact services such as VPN. In response to these cyber incidents, as a case of cyber fraud countermeasures, security notices to preventing cyber fraud damage to the public was announced, and security guidelines and ransomware countermeasures were provided to organizations related to COVID-19 and medical institutions. In addition, for companies that use and provide untact services, security vulnerability finding and system development environment security inspection service were provided by Government funding programs. We also looked at the differences in the role of the government and the target of security notices between domestic and overseas response cases. Lastly, considering the development of untact services by industry in preparation for post-COVID-19, supply chain security, cloud security, development security, and IoT security were suggested as common security reinforcement measures.

Cost-Effectiveness Analysis of Cervical Anterior Fusion and Cervical Artificial Disc Replacement in the Korean Medical System

  • Lee, Hyosang;Kim, Ui Chul;Oh, Jae Keun;Kim, Taehyun;Park, Sohee;Ha, Yoon
    • Journal of Korean Neurosurgical Society
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    • v.62 no.1
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    • pp.83-89
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    • 2019
  • Objective : This study is a retrospective cost-benefit analysis of cervical anterior interbody fusion and cervical artificial disc replacement, which are the main surgical methods to treat degenerative cervical disc disease. Methods : We analyzed 156 patients who underwent anterior cervical disc fusion and cervical artificial disc replacement from January 1, 2008 to December 31, 2009, diagnosed with degenerative cervical disc disorder. In this study, the costs and benefits were analyzed by using quality adjusted life year (QALY) as the outcome index for patients undergoing surgery, and a Markov model was used for the analysis. Only direct medical costs were included in the analysis; indirect medical costs were excluded. Data were analyzed with TreeAge Pro $2015^{TM}$ (TreeAge Software, Inc, Williamstown, MA, USA). Results : Patients who underwent cervical anterior fusion had a total cost of KRW 2501807/USD 2357 over 5 years and obtained a utility of 3.72 QALY. Patients who underwent cervical artificial disc replacement received 4.18 QALY for a total of KRW 3685949/USD 3473 over 5 years. The cumulative cost-effectiveness ratio of cervical spine replacement surgery was KRW 2549511/QALY (USD 2402/QALY), which was lower than the general Korean payment standard. Conclusion : Both cervical anterior fusion and cervical artificial disc replacement are cost-effective treatments for patients with degenerative cervical disc disease. Cervical artificial disc replacement may be an effective alternative to obtain more benefits.

Delivery Tracing Protect Model Based Smart Contract for Guaranteed Anonymity (익명성 보호를 위한 스마트 컨트랙트의 배송추적 방지 모델)

  • Kim, Young Chan;Kim, Young Soo;Im, Kwang Hyuk
    • Journal of Industrial Convergence
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    • v.16 no.1
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    • pp.15-20
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    • 2018
  • Along with the increase of internet shopping, crimes that exploited personal information on the invoice of goods are becoming more and more advanced and becoming more and more classified from the interception of goods through voice phishing attack, injury, sexual offense. Therefore, in order to guarantee the anonymity of the customer's delivery information, there is a need for a delivery tracking prevention system which keeps the route information of the product's destination secret among delivery companies. For this purpose, We suggest that delivery tracing protect model based smart contract for guaranteed anonymity to protect the anonymity by encrypting delivery information and by separation of payment and personal information using the anonymity technique of block chain-based cryptography. Our proposed model contributes to expansion of internet shopping based on block chaining by providing information about product sales to company and guaranteeing anonymity of customer's delivery information to customer.

WiCoin : Wireless LAN Sharing Using Block Chain Technology (와이코인 : 블록체인 기술을 이용한 무선랜 공유)

  • Kim, Woo-Seong;Ryu, Kyoung-Ho;Park, Yang-Jae
    • Journal of Digital Convergence
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    • v.17 no.1
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    • pp.195-201
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    • 2019
  • This paper proposes a blockchain system to share Wireless Local Area Network (WLAN) that recently suffers from mutual interference among increasing devices using unlicensed bands. Blockchain technology can induce cooperation from users by incentivizing them with cryptocurrency like shown in Bitcoin example. In this paper, we describe Blockchain based access mechanism in WLAN instead of conventional authentication based access. Here, users can access any WLAN access point by paying through smart contract while they also receive payment from others. In order to support real-time transaction, we apply proof-of-authority that is realized by Byzantine fault tolerant protocol instead of well-known proof-of-work that requires huge computing power and delay.

Policy Direction in Responses to Demand for Apartment Remodeling (공동주택 리모델링 수요에 대응한 정책 추진방안)

  • Lee, Yeo-Kyung;Kim, Eun-Hee
    • Journal of the Architectural Institute of Korea Planning & Design
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    • v.36 no.1
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    • pp.125-136
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    • 2020
  • This study aims to seek a proper policy direction in response to the demand for apartment remodeling. As the research methods, we diagnosed the current status of the remodeling policy and analyzed the demand for apartment remodeling nationwide. According to the result of analysis, we suggested the fundamental direction and tasks for remodeling policies to be pursued at the government level. The results of the study are summarized as follows. First, the result of analysis showed that the demand for environmental improvement(performance improvement) remodeling project was much higher than other types of remodeling projects. The percentage of unit increased-type remodeling that can secure business feasibility is about 10% and only 30% when it comes to reducing project costs. The remaining 70-90% need to be promoted in environmental improvement remodeling projects which dependent on the residents' payment. Second, in order to prepare a policy action plan in response to the demand for apartment remodeling, it is necessary to set up clear policy goals and strategies for apartment remodeling in advance at the national level. Along with proactive goals and strategies, graded policy support should be accompanied per type of remodeling and business demand. We also suggest to simplify administrative procedures and support the R&D research to develop technologies. It would help to utilize the unit increased-type remodeling. On the other hand, for utilizing the environmental improvement remodeling which takes up a relatively high proportion, the policy should take care of as follows: offering housing performance information, rationalizing long term repair reserve, fostering small companies and experts. Finally, apartment management system should be advanced from the perspectives of managing old apartments and institutional foundations such as new construction and customized regulations for differentiated remodeling should be accompanied.

A Historical Study on the Joseon Government's Attempt to Recover the Tariff Autonomy during the Period of Port Opening (개항기 조선정부의 관세자주권 회복 시도)

  • Yun, Kwang-Woon
    • Korea Trade Review
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    • v.44 no.1
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    • pp.301-319
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    • 2019
  • This study is to review the Joseon government's attempt to recover the tariff autonomy lost in the course of entering into the unequal treaty with then-Japan government, as well as the practical effort to realize such an attempt. Among other attempts, the Joseon government ① began imposing tariffs starting September 1878 by establishing Dumopo Customs Office in Busan, ② dispatched on April 1881 a group of investigators to the competent authorities to review and look back the Joseon's tariff system against Japan and ③ entered into a tariff negotiation with then-Japan government on September 1881 with the emissary (Susinsa) Byeong-ho Jo representing the Joseon government. A series of these attempts, in line with each other, represents the Joseon government's ceaseless, constant effort to recover the tariff autonomy, which is what this study intends to review from the modern-day perspectives. Authored by Byeong-ho Jo to capture an advantageous position in the 1881's tariff negotiation against then-Japan government, 「Joilseui」 successfully represented the Joseon government's position on matters of ① the Japanese tax-autonomous district in Korea, ② defining tariff rates, ③ use of Japanese Yen for payment of tariffs, ④ effective period of the treaty and ⑤ export restrictions on grains. Failure of the Joseon government's attempt to recover the Tariff autonomy was attributable not only to, as 「Joilseui」 defined, ① governments' non-cooperative attitudes on the negotiation table, ② lack of authorities that the entrusted bodies had, ③ import tariffs defined high and ④ export restrictions on grains and red ginseng, but also to loss of the tariff autonomy in 1876 and the 1881's negotiation broken down that were plotted by then-Japan government's invasive policy.